Emoney Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | $99 one-time, payable in USDT or USDC on Ethereum, BNB Smart Chain or Solana (you pay the gas) |
|---|---|
| Annual fee | $0 annual; $0 per transaction |
| FX fee | 3% overseas (1% E Money plus the 2% mandatory Mastercard fee); 0% on Hong Kong local transactions |
| ATM limit | Overseas ATM 1% (E Money) plus Mastercard 1% or min HKD 50The fine print
|
| Spending limit | $500,000/day default, adjustable in-app |
Fees change; the current ones are in Emoney’s terms.
Features
- Cashback: Up to 2% in crypto rewards: 1 point per $1 spent, claimable in BTC (BEP20), EMYC and others
- Custody: Hybrid: non-custodial wallet; custody of injected collateral not disclosed
- KYC: Yes
- Card type: Physical only
- Top up with: USDT (Ethereum), USDC (Ethereum, Solana, Base), BSC-USD (BNB Chain), eEUR (E Money Network)
- Available countries: Eligibility is set by citizenship
Full list
- Eligible citizenships include the UK, all EU countries, Georgia, Hong Kong, Brazil, India and the UAE
- Not available in 44 countries, including the United States, Canada, Russia and China
Who issues the Emoney Card
Our issuer directory has no verified entry for the Emoney Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the Emoney Card with crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- Non-custodial wallet whose seed phrase only you hold
The fine print
- Up to 2% rewards claimable in BTC and other crypto
- $500,000 default daily spending limit
- No annual or per-transaction fee
- Earn up to 2% cashback on eligible purchases
- Multi-chain top-up across 5+ networks
Cons
- E Money Network announced an orderly wind-down on 14 August 2026 and says the E Money Network Wallet and card services…
The fine print
- … will be discontinued, with no date given
- $99 one-time subscription fee
- 1% fee on transactions made outside Hong Kong plus a mandatory 2% Mastercard overseas fee
- 40% APR on a negative balance
- 0.5% fee to inject or increase collateral
- $25 to replace a lost or stolen card
- Card issuance fee: $99 one-time, payable in USDT or USDC on Ethereum
- FX fee: 3% on foreign-currency spend
Regional availability
Available worldwide except the US and Canada
Worldwide except 44 countries by citizenship, including the United States, Canada, Russia and China.
Card overview
E Money Network announced an orderly wind-down on 14 August 2026 and says the wallet and card services will be discontinued, with no date given, so anything you pay in now buys a card with a known end. Two unrelated companies use this name. This is E Money Network, the Mastercard from the rebranded Scallop project, not emoney.ge, the Georgian institution whose All Money Card runs on different rails at different prices. Entry costs $99 in USDT or USDC, which leaves your wallet before anything ships, and you pay the gas on top.
After that the running cost is light, with no annual fee and nothing per transaction. Spending abroad costs 3%, which is 1% from E Money plus Mastercard's mandatory 2%, and 0% on Hong Kong local purchases, a shape that tells you where the programme sits. Rewards reach 2%, earned as one point per dollar and claimable in BTC or the house token. The E Money Wallet is non-custodial, with a seed phrase only you hold, though nobody says who holds the collateral you inject, and injecting costs 0.5% with 40% APR if you let the balance run negative.
A lost card costs $25 to replace. Eligibility is set by citizenship: citizens of 44 countries, including the United States, Canada, Russia and China, cannot apply. The EMYC and SCLP staking programmes have ended, so nothing in the product earns yield. The issuing bank is named nowhere.
- Best fit
- people already inside the E Money ecosystem who can treat the $99 as a bet on a service that is winding down
- Wrong card if
- you want an issuer on record, or a card that will still run next year, before paying up front
Common questions about the Emoney Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
